The correct answer is GOVERNMENT REGULATIONS.
Fractional reserve banking is a banking practice, in which a bank is expected to put on reserve a particular fraction of the money it receives as deposits from customers. The central bank of each country regulate the commercial banks and stipulate the amount of money that the banks must hold as reserve per time.
I would argue that the second option is the best choice
By encouraging boaters to carefully clen, drain and dry their boats before launching them in different bodies of water
